Total Assets
$287M
Total balance-sheet footings
FDIC Cert #2228 · Rawlins, Wyoming · Est. 1898
RNB STATE BANK - FDIC Bank Health Profile
A community-scale look at RNB STATE BANK's own numbers, pulled straight from its quarterly FDIC Call Report.
- $287M
- Total assets
- B
- Health grade · Good
- 0.59%
- Return on assets
- 14.5%
- Tier 1 capital
Data updated July 2026
The verdict
RNB STATE BANK earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.53% Tier 1, 0.59% ROA, 81% efficiency ratio.
- #2,557
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 14.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How RNB STATE BANK's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
RNB STATE BANK's composite health score
Tier 1 Capital Ratio (14.53%) 35/40
Return on Assets (ROA) (0.59%) 14/25
Texas Ratio (4.36%) 20/20
Efficiency Ratio (80.73%) 0/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$267M
Customer-funded liabilities
Net Loans
$148M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where RNB STATE BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. RNB STATE BANK's score of 69/100 falls in the highlighted band.
RNB STATE BANK's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). RNB STATE BANK's $287M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.53%
Texas Ratio
4.36%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
10.39%
Efficiency Ratio
80.73%
What the numbers say about RNB STATE BANK
RNB STATE BANK is an FDIC-insured institution (Certificate #2228) headquartered in Rawlins, Wyoming, established in 1898. It holds $287M in total assets - 2,557th of 4,313 FDIC-insured banks, $267M in customer deposits, and $148M in net loans. Capital-wise, the Tier 1 ratio sits at 14.53%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.36%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
RNB STATE BANK sits 14th of 24 banks headquartered in Wyoming by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$719K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. RNB STATE BANK reports a Texas Ratio of 4.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wyoming by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) RNB STATE BANK (FDIC Cert #2228) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wyoming
All Wyoming banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Pinnacle Bank - WyomingCody | $1.3B | A | 1.28% |
| Hilltop National BankCasper | $1.2B | A | 1.72% |
| The Converse County BankDouglas | $1.1B | A | 1.14% |
| First Northern Bank of WyomingBuffalo | $894M | B | 1.13% |
| Platte Valley BankTorrington | $783M | B | 1.46% |
| First National Bank of GilletteGillette | $626M | A | 1.35% |
| First Federal Bank & TrustSheridan | $611M | C | 0.43% |
| Jonah Bank of WyomingCasper | $558M | B | 1.92% |
Frequently asked questions
What is RNB STATE BANK's health grade?▼
RNB STATE BANK receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is RNB STATE BANK?▼
RNB STATE BANK holds $287M in total assets and $267M in deposits, ranking 2,557th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rawlins, Wyoming.
Is my money safe at RNB STATE BANK?▼
Yes, deposits at RNB STATE BANK (Certificate #2228) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is RNB STATE BANK's Tier 1 Capital Ratio?▼
RNB STATE BANK has a Tier 1 Capital Ratio of 14.53%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for RNB STATE BANK?▼
RNB STATE BANK has a Texas Ratio of 4.36%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is RNB STATE BANK?▼
RNB STATE BANK has an Efficiency Ratio of 80.73%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read RNB STATE BANK's profile as a depositor or analyst.
- RNB STATE BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare RNB STATE BANK against other Wyoming banks before moving funds. Wyoming banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.